 If I die, will my husband inherit my student loan and credit card debt? |
Additional Details
The reason I ask is that we are looking into buying life insurance and wanted to know what each of us would be liable for so that we know how much life insurance we ... |
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 Will it help my credit score to finance a car and to pay it off immediately? |
| I am trying to build credit so that my husband and I can get a homeloan. I am used to live within my means and to save until I can afford to buy what I need. I have enough money to buy a car in cash. ... |
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 Can adding a person who has bad credit on my credit card help them improve their credit in the long run? |
can adding a person who has bad credit on my credit card help them improve their credit in the long run? do the credit report agency count that?
please reference any sources you may know ... |
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 Credit Cards??? Please Help...? |
Okay so I am trying to get my first credit card... I want to build up good credit considering I currently have NO credit...
My problem is that I have applied for a couple of credit cards and got ... |
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 Payday loan advise? |
| My husband and I defaulted on a payday loan and now the company called us and told us that it was bank fraud. does anyone know if they are just throwing out "big words" at me or are they ... |
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 How soon after an account has gone into collections were you issued a judgement? |
| I have an account on my cred. report. Last date of activity was October 2002. It is listed under the collections area of my report - and it is listed as a 'current delinquency'. I get a ... |
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 Halifax are crap? |
| my other half had a account with halifax. he used his halifax card to pay aol through direct debit. we was getting a really crap service from aol so we went into the bank and asked one of the guys ... |
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 A collection agency is demanding payment for a credit card I never had!? |
| Federal Pacific Credit Company of Utah is demanding payment for a credit card I never had. I wrote to them and asked for verification directly from the "supposed" creditor and they sent me ... |
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 Am I the only person who makes two payments on their credit card bill in one month? |
| I've done this once before and only because I have a bit of a balance. Guess I figured if I have the money in my account right now, might as well make another payment on the credit card, before ... |
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 Can I open a checking account and get a credit card if I'm only 16? |
| I have a job and everything and I want to but my dad says the legal age to do that is 18. Is that true, or does he just think I'm irresponsible and is just telling me that to prolong me getting ... |
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 Credit cards, please only answer if you know, how do I shut it off ?>? |
| Ok, I already have bad credit. I have 2 credit cards and they just keep adding fees like crazy, I will pay them, but what I want to know is can I contact them in any way and document that I will pay ... |
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 Can you file chapter 13 twice in a 10 month period? |
| A family member filed ch 13 last summer to protect from foreclosure they fell behind on payments an now needs to file again is that possible ?... |
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 I am 19 yrs old and severly in debt.... i need to know how to consolidate and get rid of it? |
| I have about 4 payday loans out and a credit card that i have never paid for... i also have two kids a car note and rent every month plus the upkeep of my apt and car! i really want help.... i am ... |
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 Where & How to start to to clean up ALL unpaid bills/debt? |
I have some unpaid medical bills,
a few regular unpaid bills
and broken lease.
Maybe about $6,000-$7,000 total or so.
I have been wanting to wanna clean this up for a long ... |
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 Creidt card help!!? |
| Im looking 4 a credit card. does anybody know a credit card company the approves u no matter ur credit score?... |
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Pinku | Is credit card a necessity in day-to-day life??? |
Please provide me sufficient information on why one needs credit card??? |
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Speee
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credit is necessary but credit cards can also be evil if you are not careful. It's a good idea to have a credit card and charge one thing a month and then pay the bill in full before the due date. This will establish your credit history and come in handy when you want to buy a house or a car (something big that you may not have the cash for). Just be careful not to charge more on the cards than you can pay in full at the end of the month and you will be fine. This world today absolutely depends on having credit and good credit at that, so maintaining a credit card is a good thing if you are responsible. Hope this helps! :) |
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Crazyjester9
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(waits for some tool to come in here spouting off crap from Dave Ramsey's site) |
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DLA
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No you do not need a credit card. |
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RantingLover
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Day to day life? No, you probably don't need to use a credit card. Even the things that those before me stated, such as hotels, cars, airlines tickets, etc can all be paid for with a debit card (that has a visa/mastercard logo).
I use a credit card because I want to build my credit. I also use my credit card so that I can get points and rewards. I use my card for all my purchases then I pay it in full when it is due. Because all my purchases throughout the month are on my card card I'm able to better budget and see where my money is going.
Good credit is key to getting good rates on mortgages and other loans. I use my credit cards to my advantage. |
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Peter S
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Hiring cars. Booking hotel rooms in advance and booking flights on the internet all need C/C. If you don't do those things and live a simple life you shouldn't need one. |
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Harleigh
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Car rentals and hotel room reservations are almost impossible without a credit card. |
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heybulldog
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No they are not.
Banks want you to think that. They make alot of money off of them.
They brainwash people into thinking they need a credit card and a high fico score to make it in todays world. That's a total load of crap.
If you pay as you go.
If you live on less money than you make.
You will have money.
You have to borrow money and make payments on time to get a high fico score so that you can go out and borrow more money and pay lots of interest. It's a stupid financial plan. It makes no sense.
People worship the almighty fico like it was a god.
The only time you might have to borrow money is for a home. You can do that without a fico score. It's called manual underwriting. It's not a sub prime loan. It's the way home loans were givin' before all the fico score worship. You can get the lowest interest rates available.
Save up for a good used cash car. New cars are a rip off. They lose value and you lose money as soon as you drive off the lot. They keep losing value year after year.
Take the money you save from not having a car payment and put it in the bank for an emeregency fund. That way you don't have to borrow money.
Of course the bankers, car financers, credit card people, and their loyal followers are gonna tell you different.
Debt free is the way to be! |
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redhairedmama75
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You need one to make hotel reservations, rent cars etc
On a side note some hotels DO NOT take "debit" cards even those with the visa/mastercard logo on them. |
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